Which Credit Card Would give you best returns/points

[trinigamer]

My experience having a credit card with Republic for over 15 years was very nice. Unfortunately, was out of the country for school for 10 months in 2016 and it got cancelled. There was a $200USD balance on it I was not aware of, and they kept sending mails to my home address before deciding to cancel it. Last January I figured I would re-apply for a credit card and try another establishment to see.

I also had a savings with RBC so I decided to apply there. Princes Town, my home branch, told me that the Credit Manager who is at San Fernando has to contact me to come in for a meet. I've been waiting for over a year. Visited Sando a few times and the person wasn't there. Has anyone ever been through this with RBC or heard of this???? RBC calls me every quarter to see if I'm interested in taking a loan, but salt for a credit card??

I'm not entirely sure what my credit score at this point is so I've made an appointment at TransUnion for later this month to check it out. I was generally responsible over the years in paying my bill on time, but I'm not sure how that cancellation in 2016 might have affected my score.

Anyway, will be applying again with Republic.

Went abroad myself in 2016, I used a combination of online banking and a standing order to my RBL cc paid off. Also have a FCB cc, paid that off completely through online banking too.

RBL and FCB are your best options really.

[trinigamer]

Anyone know how to increase Scotiabank 3000us limit on credit card? For example if i give them us dollars can a get a temporary increase? But then they would buy it for 6.7 whereas other places buy it for 7+

Most banks will facilitate a temporary increase in credit limit, just ask them.

[Chimera]

not for the USD limit on regular cards

only with their black card you will get up to 10k usd

[whiterose868]

Have y’all seen the new Bachannal that is the Scotia AERO redemption?

For reference : https://tt.scotiabank.com/personal/cred ... oints.html

They have basically increased the amount of points needed to redeem a flight (as at about 2 months ago) and now have added a price cap on top of it! So unless I plan my trips way in advance, the AERO program is basically the most expensive “platinum” card in the country with the most restrictions. I can no longer plan a last minute something and cover it totally with points.

That combined with their ridiculous $3k USD a month and that card has gone from hero to zero real quick.

Compare that to Republic, where I started off with $2kUSD on a visa gold and ever so kindly asked the csr on the phone to increase my limit permanently as I plan to make that card my main card now. One branch visit and a week later, I swapped out to the AAdvantage gold Mastercard, got my limit pushed to 8500usd and still pay less than scotia’s aero cards or even their damn gold cards.

[j.o.e]

Question guys have you ever loaded up your credit card (in excess of your limit) for travel ?
I remember doing this before but I also remember someone saying it’s no longer allowed. Or should I just request a limit increase…… any advice before I engage with the bank which is never fun. FCB if it matters

[adnj]

Question guys have you ever loaded up your credit card (in excess of your limit) for travel ?
I remember doing this before but I also remember someone saying it’s no longer allowed. Or should I just request a limit increase…… any advice before I engage with the bank which is never fun. FCB if it matters

If you are talking about overpaying your balance prior to leaving, you can certainly use your online banking to transfer multiple payments to your credit card account before your statement closing date, while you are out of the country.

[pugboy]

i don’t think they allow that as a form of padding up though
and afaik republic doesn’t allow it because i once went to pay my sisters card as she was out of the country, they didn’t allow me to pay a blanket figure over the existing amount. they said i needed to know the existing balance to pay it off

[The_Honourable]

Question guys have you ever loaded up your credit card (in excess of your limit) for travel ?
I remember doing this before but I also remember someone saying it’s no longer allowed. Or should I just request a limit increase…… any advice before I engage with the bank which is never fun. FCB if it matters

I did it with FCB 2 months ago and used some of the funds within three days to bring it back down to my CC limit or just below it. I would not recommend your funds staying above the limit over a long period of time before you trigger some security sheit and your card is temporarily disabled.

If you have an FCB account, you can do online transfers which credits your CC instantly. Go to the tabs on top and select: My Payments -> Standard Payees -> Insert Amount -> Select your Savings/Checking as your "From Account" -> Select your credit card as your "To" account and execute transaction. Make sure you know your transaction pin, funds on your CC in 1 minute or so.

Inform them that you are travelling so that they will understand the transactions between your account and CC if any red flags come up on their end.

[j.o.e]

Question guys have you ever loaded up your credit card (in excess of your limit) for travel ?
I remember doing this before but I also remember someone saying it’s no longer allowed. Or should I just request a limit increase…… any advice before I engage with the bank which is never fun. FCB if it matters

I did it with FCB 2 months ago and used some of the funds within three days to bring it back down to my CC limit or just below it. I would not recommend your funds staying above the limit over a long period of time before you trigger some security sheit and your card is temporarily disabled.

If you have an FCB account, you can do online transfers which credits your CC instantly. Go to the tabs on top and select: My Payments -> Standard Payees -> Insert Amount -> Select your Savings/Checking as your "From Account" -> Select your credit card as your "To" account and execute transaction. Make sure you know your transaction pin, funds on your CC in 1 minute or so.

Inform them that you are travelling so that they will understand the transactions between your account and CC if any red flags come up on their end.

Gotcha usually make payments via online but just for clarity. Let’s say my allowed limit is 18000 but my first payment due when I land is my hotel which is 25000. So I pad my account up tp 30k ….. would the payment go through?
Used to do this all the time with RBC years ago with no issue.
See in your case you used some and brought it down to your limit in my case I’m actually doing a transaction over my limit. Slight difference.

[mero]

Pay it via online and and should be OK.

But at the end of the day u have a fixed FX amount that is more important. Classic cards are 5k usd and that cant be increased so you could transfer 50k and can't access it.

However if you card get compromised or skimmed, u only insured for your assigned credit limit.

[j.o.e]

Pay it via online and and should be OK.

But at the end of the day u have a fixed FX amount that is more important. Classic cards are 5k usd and that cant be increased so you could transfer 50k and can't access it.

However if you card get compromised or skimmed, u only insured for your assigned credit limit.

Thanks sounds good. Will still run it by them when informing them of travel

[adnj]

Question guys have you ever loaded up your credit card (in excess of your limit) for travel ?
I remember doing this before but I also remember someone saying it’s no longer allowed. Or should I just request a limit increase…… any advice before I engage with the bank which is never fun. FCB if it matters

I did it with FCB 2 months ago and used some of the funds within three days to bring it back down to my CC limit or just below it. I would not recommend your funds staying above the limit over a long period of time before you trigger some security sheit and your card is temporarily disabled.

If you have an FCB account, you can do online transfers which credits your CC instantly. Go to the tabs on top and select: My Payments -> Standard Payees -> Insert Amount -> Select your Savings/Checking as your "From Account" -> Select your credit card as your "To" account and execute transaction. Make sure you know your transaction pin, funds on your CC in 1 minute or so.

Inform them that you are travelling so that they will understand the transactions between your account and CC if any red flags come up on their end.

Gotcha usually make payments via online but just for clarity. Let’s say my allowed limit is 18000 but my first payment due when I land is my hotel which is 25000. So I pad my account up tp 30k ….. would the payment go through?
Used to do this all the time with RBC years ago with no issue.
See in your case you used some and brought it down to your limit in my case I’m actually doing a transaction over my limit. Slight difference.

You could also ask for the hotel to partially invoice you during your stay.

Explain to the manager at the front desk that you want to settle your bill every two or three days, or so. Most hotels are happy to invoice you and get their funds days or weeks before your final checkout. Some require it.

[The_Honourable]

Question guys have you ever loaded up your credit card (in excess of your limit) for travel ?
I remember doing this before but I also remember someone saying it’s no longer allowed. Or should I just request a limit increase…… any advice before I engage with the bank which is never fun. FCB if it matters

I did it with FCB 2 months ago and used some of the funds within three days to bring it back down to my CC limit or just below it. I would not recommend your funds staying above the limit over a long period of time before you trigger some security sheit and your card is temporarily disabled.

If you have an FCB account, you can do online transfers which credits your CC instantly. Go to the tabs on top and select: My Payments -> Standard Payees -> Insert Amount -> Select your Savings/Checking as your "From Account" -> Select your credit card as your "To" account and execute transaction. Make sure you know your transaction pin, funds on your CC in 1 minute or so.

Inform them that you are travelling so that they will understand the transactions between your account and CC if any red flags come up on their end.

Gotcha usually make payments via online but just for clarity. Let’s say my allowed limit is 18000 but my first payment due when I land is my hotel which is 25000. So I pad my account up tp 30k ….. would the payment go through?
Used to do this all the time with RBC years ago with no issue.
See in your case you used some and brought it down to your limit in my case I’m actually doing a transaction over my limit. Slight difference.

In theory it should go through. Three things can cause the decline:

1. The US availability on the card - As Mero said, you have the TT but not the US. For my card is 5000US per month and refreshes on the 14th per month. If your US availability is above approx 4000US per month, and you didn't do any US transactions yet, you're safe. If you did and the availability is below 4000US, you have to wait till the 14th for the refresh.

2. Security software picked up an abnormal transaction according to your profile and automatically declined it. To be proactive, reach out to Authorizations Department and let them know the transaction to be executed. They will put a note on the system. If it gets declined, they usually call to confirm.

3. Since you are paying at the hotel, consider the point-of-sale limit. This is usually for debit cards but don't take chances. Get clarity on your card and hotel POS limits otherwise you might have to split payments across two-three days.

[j.o.e]

Thanks for all the input fellas

[Kenjo]

Have y’all seen the new Bachannal that is the Scotia AERO redemption?

For reference : https://tt.scotiabank.com/personal/cred ... oints.html

They have basically increased the amount of points needed to redeem a flight (as at about 2 months ago) and now have added a price cap on top of it! So unless I plan my trips way in advance, the AERO program is basically the most expensive “platinum” card in the country with the most restrictions. I can no longer plan a last minute something and cover it totally with points.

That combined with their ridiculous $3k USD a month and that card has gone from hero to zero real quick.

Compare that to Republic, where I started off with $2kUSD on a visa gold and ever so kindly asked the csr on the phone to increase my limit permanently as I plan to make that card my main card now. One branch visit and a week later, I swapped out to the AAdvantage gold Mastercard, got my limit pushed to 8500usd and still pay less than scotia’s aero cards or even their damn gold cards.

I still can’t figure out what exactly they did here but it seems like it’s time to get a new card instead of that platinum card

[whiterose868]

Have y’all seen the new Bachannal that is the Scotia AERO redemption?

For reference : https://tt.scotiabank.com/personal/cred ... oints.html

They have basically increased the amount of points needed to redeem a flight (as at about 2 months ago) and now have added a price cap on top of it! So unless I plan my trips way in advance, the AERO program is basically the most expensive “platinum” card in the country with the most restrictions. I can no longer plan a last minute something and cover it totally with points.

That combined with their ridiculous $3k USD a month and that card has gone from hero to zero real quick.

Compare that to Republic, where I started off with $2kUSD on a visa gold and ever so kindly asked the csr on the phone to increase my limit permanently as I plan to make that card my main card now. One branch visit and a week later, I swapped out to the AAdvantage gold Mastercard, got my limit pushed to 8500usd and still pay less than scotia’s aero cards or even their damn gold cards.

I still can’t figure out what exactly they did here but it seems like it’s time to get a new card instead of that platinum card

It seems like they left the amount of points needed for a redemption the same, as in 25000 points to jfk etc, but they have added a price cap on what they are willing to pay. So if you book a jfk ticket with points, it will cost you 25000 points PLUS the excess of the ticket amount that is not covered by them. So if the cap is $500 (for example) and the ticket costs $1500, you need to foot $1000usd plus spend your points.

[Chimera]

lol daz flabbergastery yes

a relative of mine use 75000 points for her and 2 others to go miami in august

they paid $1200 each in taxes only

we saw on the printout from the travel agency that the cost of the flight was $6300 to Aero per person

now with these new rules


that same flight they would have to pay $2345 excess PLUS whatever the processing fees are

if u dont want to go over the cap you hadda book early or book off peak

i hate when these credit cards change their terms and conditions......

[zoom rader]

Credit cards are a scam

[j.o.e]

lol daz flabbergastery yes

a relative of mine use 75000 points for her and 2 others to go miami in august

they paid $1200 each in taxes only

we saw on the printout from the travel agency that the cost of the flight was $6300 to Aero per person

now with these new rules


that same flight they would have to pay $2345 excess PLUS whatever the processing fees are

if u dont want to go over the cap you hadda book early or book off peak

i hate when these credit cards change their terms and conditions......

Significant other has Aero, is there any other competitive card locally for miles? A casual check years ago suggested they are/were the best. I get cash back now which is fine but wouldn’t mind a good option for miles. I believe years ago I had a RBC/CAL card but wouldn’t go back to RBC ever.

[adnj]

Credit cards are a scam

No fee and cash back credit cards become a scam when you can't pay your bill when the bill is due.

[Chimera]

idk i still find scotia aero is the best. just book in advance to avoid the cap flabbergastery


RBC one is screwed, only a certain amount of seats on a CAL flight can be used for their rewards and those are always booked out

its alot to spend to even get a flight in any event

imagine u hadda spend 25k usd on a card to get a "free" flight and you still have some fees to pay but it was money you would have spent anyway, its a bonus its not like you took the card just to get "free" flights

[Dave]

Once you make it work for you in our present situation, it can be rewarding.
You just need the right hook up.

I haven't paid for an international flight in over 6 years!

Every QTR money back...what is there not to like?

Credit cards are a scam

[paid_influencer]

what is there not to like?

nothing is free.

those benefits are paid for by transaction fees (3% to 5% of all your transactions), which will be passed onto you, the ultimate consumer of the goods and/or services.

the banks and their cronies are installing their parasites right into the structure of the economy.

join the movement for free, open source currency.
or cash

soon they are going to want a number marked on you if you want to buy or sell
it is written

[Dave]

At least I am negating some of the ill effects but again if you know how to then you know how to.

[paid_influencer]

“Opportunities don’t happen, you create them.” -Chris Grosser

[bluefete]

Once you make it work for you in our present situation, it can be rewarding.
You just need the right hook up.

I haven't paid for an international flight in over 6 years!

Every QTR money back...what is there not to like?

Credit cards are a scam

I have no cc but RBC wants to give me a pre-approved gold cc with a limit of TT$20k. There are very few benefits to this card. No cash back.

1st year free - 2nd year onward - $265.00 renewal fee.

None of these benefits I would be using so should I still take the card?

Emergency Cards

The emergency card replacement service provides the cardholder with an emergency Visa card replacement while the cardholder is traveling abroad. To enjoy this benefit, access http://www.visa.com/benefitsportal

Free Skybox Membership

Get the first year membership fee waived, plus get $5 USD off your first shipment. Register online with your visa card at http://www.skybox.net/visa_eng

AVIS & Budget Discounts of up to 20%

Use your RBC Royal Bank Visa card to get up to 20% off car rentals in North America, Latin America and the Caribbean (excludes domestic rentals in country). Book online at avis-int.com/rbcroyalbank or budget-int.com/rbcroyalbank.

View Less Features
Protect yourself against Fraud with Enhanced Security Features

The added protection of Chip and PIN technology offers contactless capability and peace of mind if your card is ever lost or stolen. When you make a transaction at the chip-enabled terminal, simply insert your card and leave it there, follow the prompts and enter your PIN

Purchasing Power

Higher credit limits offered to keep your business running smoothly

Protect your Purchases

Price Protection – Up to $400 USD per account, per year. Get reimbursed for the price difference should the same product (model, year and manufacturer) be found at a lower price than the price paid with your card
Purchase Protection – Up to $1,000 USD per account, per year. Get coverage for theft or damage on qualifying products and items purchased
Extended Warranty – Up to $5,000 USD per account, per year. Doubles the repair period offered by the original manufacturer's warranty for up to 1 year.

January 19, 2022
Dear Valued Client,
The auto insurance travel benefit is no longer available on the RBC Visa Gold
credit card.
To prevent your liability in the event of damage, loss or theft, you have the
option to select the Collision Damage waiver (CDW) as part of the rental
agreement with the company.

[st7]

what allyuh men does do when allyuh travel? tote US cash everywhere?

[redmanjp]

what allyuh men does do when allyuh travel? tote US cash everywhere?

paying in cash for everything might even be considered suspicious over there- everybody using cc

and given the forex problems are local banks going to just give out US cash just so?

[zoom rader]

Once you make it work for you in our present situation, it can be rewarding.
You just need the right hook up.

I haven't paid for an international flight in over 6 years!

Every QTR money back...what is there not to like?

Credit cards are a scam

Nice, u waited 6yrs for flight.

Good investment, carry on

[Dave]

Zoomie.... meaning I travel a few times a year and for the last 6 six year I have paid for a flight at any of those times in the 6 years.
Kickstart was more understanding....

Once you make it work for you in our present situation, it can be rewarding.
You just need the right hook up.

I haven't paid for an international flight in over 6 years!

Every QTR money back...what is there not to like?

Credit cards are a scam

Nice, u waited 6yrs for flight.

Good investment, carry on